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Disability insurance can be the most difficult type of insurance to acquire. This is directly related to the fact that there is a 1 in 3 chance that people will be come disabled and can’t work at some point in their career. Furthermore, disability insurance policies require you go through the underwriting process once and not at a later time. …

When it comes to purchasing your disability insurance policy, it is important to not only compare policies but to prioritize what is most important to you. Sometimes the best is not always the best. Premiums are based on several variables: Age Gender Occupational Class Monthly Benefit Riders Benefit Period Geography (where you reside) Company rates Policy Available discounts Some companies …